The Audi S6 is a performance version of the A6, Audi’s four-door executive car. Like all other “S” models, the S6 comes standard with Audi’s trademark Quattro four-wheel drive system and a handful of other sporty features. While its performance-oriented design may hint at expensive auto insurance, that might not be the case.
Insurance providers determine your premiums with respect to a number of different factors, meaning that your vehicle’s performance is only one part of the equation. The average cost of auto insurance for an Audi S6 is $132 a month, for a total of $1,584 a year. This is slightly above the national average of $1,318, but your actual rate may vary depending on your location, among other factors. In fact, the average cost of car insurance in Georgia is a whopping $2,201, whereas your rates might be closer to $964 if you lived in Maine. This is why it’s important to get quotes from different providers when shopping for auto insurance. Filter car insurance companies by your state to get a quote.
A 2017 Audi S6 starts at a base price of $70,900. With the average insurance rate at $1,584 per year, the annual insurance cost–to–base car price ratio is 2.2%.
Model
Monthly insurance rate
Base car price
A3
$191.00
$31,200
A4
$191.00
$34,900
A4 All Road
$132.00
$44,000
A5
$127.00
$41,200
A6
$136.00
$47,600
A7
$124.00
$68,800
A8
$191.00
$82,500
Q3
$191.00
$31,800
Q5
$138.00
$40,900
Q7
$197.00
$49,000
R8
$197.00
$162,900
RS7
$191
$110,700
S3
$132
$42,900
S5
$98
$53,100
S6
$132
$70,900
S7
$191
$79,900
S8
$191.00
$115,900
SQ5
$132.00
$53,300
TT
$128.00
$43,500
TTS
$125.00
$52,500
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Audi S6
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Good credit
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Audi S6 model year
Vehicle’s trim
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
Auto insurance is a major purchase that every driver makes but nobody hopes to use. Despite coverage being mandatory in almost all 50 states, it’s not always easy to shop for. Many insurance companies use similar language to describe policies, but coverage and features can vary depending on which provider you choose. In order to accurately compare your options, you’ll need to set up a sample policy to find out what different providers charge for the coverage you need. Once you have a template, get quotes from multiple providers to find an option that fits your budget. Here are a few elements you should consider:
Deductible. When creating your sample policy, keep in mind that a higher deductible makes for lower premiums, whereas a lower deductible will increase your monthly rate.
Additional coverage. Many providers offer extended coverage options that can be added to your policy for an extra fee. If you need personal injury protection, medical payments coverage or any other option, be sure to include them when getting quotes.
Restrictions. Some providers may have coverage restrictions on their policies. Before purchasing coverage, ask about any restrictions to avoid denied claims or gaps in coverage.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
What factors affect car insurance rates for Audi S6?
Outside of driver and location-based factors, insurance providers consider a number of vehicle-specific variables when calculating your premiums. Since every make and model is different, the vehicle you drive can have a significant impact on the price you pay for auto insurance. Between body type, theft rates, repair costs and more, here’s how the S6 compares to other vehicles.
Body type. The Audi S6 is considered a four-door sedan, designed for commuting and daily driving. This poses a lower risk of collisions compared to sports cars and could help reduce auto insurance rates.
Type of car. The S6 is a luxury performance executive car that delivers a balance between comfort, power and safety. This classification could help you save on auto insurance.
Theft. Unfortunately, sedans are the most frequently stolen type of vehicle. This could increase the cost of auto insurance.
Repairs. While finding parts and repair shops for the S6 shouldn’t be too hard, repairing luxury performance vehicles can be expensive, which could make for higher insurance rates.
Safety ratings. Both the Audi A6 and S6 have amazing safety ratings and features, which could help reduce the cost of insurance.
How do trim packages and extra build options affect insurance cost?
Insurance providers consider a number of factors when determining your premiums, many of which relate to your risk of filing a claim. Since every vehicle performs differently, the make and model you drive can directly affect the chances of you getting into a collision and filing a claim. But beyond the vehicle you drive, the trim and packages you choose might affect the performance of your vehicle, which is why some options may influence the cost of insurance. Based on the 4.0 TFSI Premium Plus trim, here’s how build options might affect your premiums.
Trim
Prestige. The Prestige trim includes all features from the Premium Plus package, along with a parking system, top view camera, parking sensors and more. The improved visibility might help you save on auto insurance.
Packages
S Sport package. This package adds dynamic steering, a rear sport differential and more. The improvement in handling could lead to better auto insurance rates.
Rear-passenger airbags. Adding this feature could improve passenger safety in the event of an accident and may be eligible for auto insurance discounts.
Night vision assistant. The night vision assistant package improves visibility at night, helping you avoid any unexpected obstacles. The enhanced visibility may help reduce your premiums.
Driver assistance. The driver assistance package could prevent accidents in parking lots and on the road, meaning you might get better auto insurance rates.
Audi S6 money-saving safety features
You could save money on car insurance for your Audi S6 if it comes equipped with these safety features.
Airbags
Daytime running lights
Anti-lock brakes
Anti-theft device
Surround camera system
Parking sensors
Rear backup sensors
LED fog lights
Electronic stability control
Seatbelt pretensioners
Does the Audi S6 qualify for auto insurance discounts?
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi S6:
At the time of writing, there are no official Audi S6 reliability ratings from the IIHS, U.S. News, J.D. Power, or other popular resources. With that being said, the A6, which the S6 is based on, holds average reliability ratings according to U.S. News and J.D Power. 2016, 2017 and 2018 model ratings hover around 3/5 stars, which is about average for other vehicles in its class.
The Audi S6 has been in production since 1994, although it has undergone multiple reworks over the years. Despite being around for so long, there have only been a few recalls on this vehicle:
2013-2014: A limited number of 2013-2014 S6 and S7 vehicles were recalled for manufacturing issues that could lead to a fuel leak.
2010-2011: Some 2011 Audi S6 sedans were recalled due to an airbag inflator issue that could spray metal fragments from the frontal airbag during a crash.
There are very few common problems with the Audi S6. However, some owners report transmission issues, abnormal noises from suspension and thermostat errors. Many performance Audi vehicles develop a carbon buildup over time, which could cause loss of power if not treated. Routine service appointments should help prevent this problem.
How safe is the Audi S6?
The NHTSA gives the 2017 Audi S6 a perfect 5/5 star rating in all categories. While the S6 hasn’t yet been rated by the IIHS, the 2017 A6 was given near perfect ratings and awarded the 2017 top safety pick for large luxury cars.
Audi S6 maintenance
Audi vehicles are designed to provide a comfortable and hassle-free driving experience and generally require little maintenance. While the S6 is a performance vehicle that may be driven harder, it requires little upkeep to run smoothly. However, as with most vehicles, a little routine maintenance goes a long way in ensuring your car lasts as long as possible. Here’s what to expect in terms of oil changes, service appointments and more. Audi vehicles are designed to provide a comfortable and hassle-free driving experience and generally require little maintenance. While the S6 is a performance vehicle that may be driven harder, it requires little upkeep to run smoothly. However, as with most vehicles, a little routine maintenance goes a long way in ensuring your car lasts as long as possible. Here’s what to expect in terms of oil changes, service appointments and more.
Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. However, if your car is being driven vigorously, you may want to have it changed more frequently.
An oil change should cost from $125 to $250, but it depends where you bring it for service and how long it’s been since your last oil change.
According to the 2017 Audi maintenance schedule, your S6 should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
The 2018 Audi S6 gets an average of 18 miles per gallon, with 16 in the city and 24 on the highway.
The 2017 Audi S6 comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.
Is an extended warranty worth it for the Audi S6?
The S6 comes equipped with Audi’s standard four-year, 50-000 mile warranty which covers defects on parts and service. The standard warranty comes with free 24/7 roadside assistance, available year round. The Audi Certified Plus Limited warranty is Audi’s extended warranty, which becomes effective after the new vehicle warranty expires. The extended warranty covers your vehicle for two more years or 50,000 more miles, though exact coverage may differ from the initial warranty. While Audi’s standard four-year warranty offer great coverage, adding the extended warranty can provide peace of mind and even increase the resale value of your vehicle.
About the Audi S6
The Audi S6 was introduced in 1994. The Audi S6 model is known for being a high performing executive car. The 2017 model was awarded a five-star overall safety rating by the National Highway Traffic Safety Administration. Insurance companies determine the insurance cost for an Audi S6 based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Audi shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Audi S6 shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
Compare Audi competitors
Compare other Audi models or explore other manufacturers to find vehicles similar to the S6.
Bottom line
The Audi A6 is a luxury performance vehicle designed for daily driving. Its powerful 450-horsepower engine makes for an exhilarating driving experience regardless of your destination. Like most Audi vehicles, the S6 comes standard with a number of safety features and holds great safety ratings from multiple sources. Despite its power and elegant design, auto insurance for an S6 might be cheaper than you think. The best way to find out is to compare your options to find a policy that fits your situation.
Frequently asked questions about the Audi S6
Auto insurance is never black and white, so there’s no single best provider for the S6. However, you can make the decision for yourself by getting quotes from multiple providers to find out which offers the best value.
Yes. The S3, S4 and S5 Sportback are much more affordable performance sedans, but all three options offer less power and a smaller body. The A6 is comparable in size and styling, but you won’t get the power and styling that comes with the S6. For a step up in price, both the RS6 and RS7 offer even more power and space than the S6.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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